Even though you have taken the difficult step of filing for bankruptcy protection, it should help you in the long run.  But do not use bankruptcy as a means to eliminate debt just to build up more debt again.  Bankruptcy is not a laughing matter.  It is a life altering event.  You should have learned [...]

Having a low credit score in your credit report is inevitable once you have filed  for bankruptcy protection.  You need to be proactive in repairing your credit as  soon as you have filed for bankruptcy protection.  As part of your bankruptcy  petition and discharge is a list of all creditors and the associated debt which  [...]

Throughout most of 2000s (at least through early 2008), credit is just so easily obtained.  Credit can be in the form of credit cards and home equity.  Everyone has such easy access to credit that we don’t even think about the consequences of the excessive usage.  People tend to forget with credit comes the debt.  [...]